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Rhode Island’s Auto Insurance Regulations & Best Insurer by Lowest Price for Maximum Savings

Rhode Island uses a tort system which is utilized when settling losses due to auto accidents.

The tort system is where you purchase liability insurance that protects “other” drivers who you could be legally bound to answer to if there is considerable damage or medical expenses.

Lowest price by carrier for 25 year old.

In short, when you purchase your liability policy you transfer the “liability” under the tort laws to the insurance firm.

For example, the insurer steps into your shoes and pays for damages.

The minimum car insurance requirements for Rhode Islands are as follows:

Minimum Car Insurance Requirements for Rhode Island

CoverageRhode Island Minimum Liability CoverageRecommended Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$25,000 $50,000
Uninsured Motorist*Optional$100,000 / $300,000
ComprehensiveOptional$250 deductible
CollisionOptional$500 deductible
Medical PaymentOptional$5,000

*Uninsured Motorist is a requirement unless declined in writing. Typically this is wrapped into liability and property damage coverage.

Note: Approximately 17 percent of drivers are uninsured in the State of Rhode Island. If you are in an automobile accident with an uninsured motorist you will not be covered if you decided to decline the coverage in writing.

Bodily Injury Liability

Bodily injury liability covers the hospital bills of the driver and passengers of the other automobile.

Under the minimum needed coverage, the insurance firm will cover up to $25,000 for a single person and up to $50,000 for multiple passengers for a single car accident.

Cheapest premium choices for 30 y/o driver.

Property Damage Liability

Property damage liability covers repairs to private and public property like places of business, guard rails, and road signs as well as the other drivers vehicle.

Minimum coverage will make allowances for a maximum payout of $25,000 per accident.

The set limit would be 25/50/25 or in layman’s terms it is the minimum liability coverage and the maximum payout in thousands the policy will cover if you have purchased the minimum liability.

Least expensive premium by price for 35 y/o in Rhode Island.

Uninsured Motorist Protection (UM)

Other cover that is required (can be decline in writing) when driving in RI is Uninsured Motorist Protection or (UM).

Since the state has a high density of drivers and as many as two out of ten drivers at any given time uninsured in the state.

If you get “only” the minimum liability cover then you can decline to purchase uninsured motorist protection.

What is Covered with Uninsured Motorist Protection

UM cover is going to cover you in the event you are in an accident with an uninsured motorist.

In other words, UM covers what the other driver should have had for minimum coverage when in an automobile accident.

Low-cost policy choices for 45 year old in Rhode Island.

If you have an accident with an uninsured driver, after payment to for damages, your insurance company is likely to sue the other driver for the money paid to you because of negligence.

Other optional coverage to consider is comprehensive, collision, medical payment cover, rental reimbursement, and towing.

Cheapest Auto Insurance Companies in Rhode Island

Below is a list of insurers from cheapest to the most expensive for drivers from 25 to 55 years of age.

When I compiled the data it is only for the lowest price only. The table list does not take into consideration consumer rating, etc.

The three least expensive carriers are USAA, Travelers, and Liberty Mutual. All three average 23% lower than any competitors for a driver with good driving history.

If USAA was not include in the list the next would be Allstate. Quotes from Allstate are 20 to 23% lower than statewide average premium.

Rhode Island CompanyAverage Rate 25 Y/O30 Y/O35 Y/O45 Y/O55 Y/O
Liberty Mutual$2,124$1,730$1,436$912$631
Cal Casualty$2,476$1,900$1,537$1,055$709
Quincy Mutual$2,522$1,943$1,548$1,087$745
National Grange Mutual$2,796$2,255$1,743$1,254$811

*USAA covers only families and their children affiliated with the Military and Armed Forces. A spouse or person previously in the Armed Services may be able to get insurance through USAA.

Rhode Island, a System of Tort

It is important to realize if you reside in Rhode Island you are under their system which is tort.

Since the state is small there is good chance you could be in a state which is “no-fault”.

If you are involved in an accident in the “no-fault” state then you will revert to that system and not RI’s tort.

When comparing your car insurance rates at the top of the page, and you find a policy that fits your needs you may want to discuss this with the insurance agent or broker.

Low-cost premium choices for 55 year old in Rhode Island.

Common policy packages for motorists in RI

    • Bodily Injury Liability – 100,000/300,000

    • Property Damage Liability – 50,000

    • Uninsured Motorist Protection – 100,000/300,000

    • Comprehensive Coverage – $250 deductible

    • Collision Coverage – $500 deductible

    • Medical Payment Coverage – $5,000

Available Discounts

When you are looking for quotes in RI you want to be sure you can get all the available discounts.

Some of the discounts which are available in the state:

  1. Multi-vehicle policy
  2. Good Student
  3. Anti-theft devices
  4. Driver Education Courses
  5. Low Mileage
  6. Dividends – Not considered discounts, but dividend pay-outs can be applied to a premium.
  7. Multi-policy – If you are going to insure you home and vehicle.
  8. Good driver and renewal discount

Illustration of Discounts in Rhode Island

This graphs show the auto insurance discounts in Rhode Island and how much you save in percentage points.

Note: When discounts are combined you received a higher percentage drop in rates. Your discount will vary with your company, driver history, and other influential factors. As illustrated by the graph good driver history and safety are higher savings.

Second Illustration

This is pie graph showing the percentage of discount for lowering your auto insurance rates in the state of Rhode Island
Note: As illustrated by the graph, your biggest savings are good driver and safety features. If combined with other discounts your savings are greater.

Best Insurer by Consumer Rating, Rate Change, & Complaints

Below is a list of the best insurers by consumer rating, complaints, and rate change over an 18 month period.

It is important to realize insurers with higher amount of written premiums will have more complaints. This is to be expected.

All consumer ratings are from AM Best, JD Power & Associates, and any other online rating to give the insurer the average.

Any rate change over a 12 to 18 month period of 1 to 3% is normal.

CompanyWritten PremiumsRate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
21st Century$1,422,311 +2.6%84.1
Farmers$8,587,276 +2.3%74.4
MetLife$11,629,575 +3.7%44.2
Liberty Mutual$54,277,577+2.0%134.4
Allied$2,428,437 +2.7%34.1
MiddleOak$1,532,990 +3.8%33.9
Providence Mutual Fire $10,337,228+1.9%34.1
Nationwide $47,186,516 +2.9%223.9
GEICO$87,615,729 +2.2%214.3
National General$2,573,327+2.1%33.9
The General$2,109,732+4.1%53.7

Average Premium Quote by City

Below I have compiled a list of cities with population and average quote.

You policy price can vary by city or zip code.

Your best option is to get quotes to find savings.

If you want a more detailed comparison of larger cities in Rhode Island please see below

CityAvg. PremiumPopulationCityAvg. PremiumPopulation
Central Falls$1,81919,376North Kingstown$1,45626,486
Charlestown$1,6277,827North Scituate$167510,329
Cumberland$2,13833,506Peace Dale$1,4848,487
East Greenwich$1,75513,146Portsmouth$1,34317,389
East Providence$1,83347,037Tiverton$2,25415,780


Providence was founded in 1636 and one of the oldest cities in the nation.

Today, it has about 180,000 residents making it the biggest city in Rhode Island. It is the capital of the state too.

In times past Providence had a big textile industry naming itself the “Beehive of Industry”. Now the city has re-branded into service industry calling itself the “Creative Capital” of Rhode Island. 

For a city of modest size, Providence provides a good assortment of arts and cultural offerings.

Some of the more notable include Roger Williams Park and Zoo, Providence Performing Arts Center, Philharmonic, and the Trinity Repertory Company.

Providence lowest price carriers for 30 to 55 y/o drivers.

To get a cheaper premium in Providence start by getting quotes from Allstate, Liberty Mutual, and Travelers.

I queried each at $1,522, $1,576, and $1,629 respectfully for a 30 year old driver. Which is 29% lower than the average premium rate of $2,387 per year.

A 45 year old can find cheap quotes with Allstate and Liberty Mutual. Each queried at $1,096 and $1,137 for full coverage. Or nearly 30% lower than the “mean” quote in Providence.

For a 55 year old the quotes clustered between $812 and $925. With Allstate being the least expensive at $812 per year for full coverage.

Or 26% lower than the average premium of a driver with a similar profile.

Providence Company30 Y/O45 Y/O55 Y/O
Liberty Mutual$1,576$1,137$823
Quincy Mutual$1,755$1,270$925


Warwick has a lot of history. Founded in 1642 the city was decimated during King Phillips War of 1675. It is the site of the Gaspee Affair which is prelude to the Revolutionary War.

Today, Warwick is the second largest city with 83,000 residents. Thousands of visitors enjoying the Colonial architecture and history within the city.

Notable attractions include, Clouds Hill Victorian House Museum, Apponaug Four Corners, Aldrich Mansion, and the Historical Warwick Museum of Art.

Warwick cheapest premium options for drivers 30 to 55.

To find the cheapest policy in Warwick start by getting quotes from Liberty Mutual, Travelers, and Quincy Mutual.

I queried each at $1,722, $1,765, and $1,843 for a 30 year old driver. Which is 19% lower than the average premium of $1,968 for Liberty and Travelers.

A 45 year old can find low quotes with Liberty Mutual, Travelers, and Quincy. Each queried at $1,121, $1,145, and $1,189 respectfully for full coverage. Or approximately 21% lower than the “mean” premium quote in Warwick.

A 55 year old can find low rates with Liberty and Travelers. I queried both at $887 and $900 for full coverage.

Which is 20% lower than the citywide average premium for a driver with the same age and profile.

Warwick Company30 Y/O45 Y/O55 Y/O
Liberty Mutual$1,722$1,121$887
Quincy Mutual$1,843$1,189$912


Cranston was incorporated as a town in 1754 then a city in 1910.

Once known as Pawtuxet it has 80,000 residents making it the 3rd most populous city in Rhode Island. It has been named as one of the best places to live by Money Magazine. 

The majority of the residents reside in the eastern region of Cranston which features a shoreline along the beautiful Narragansett Bay.

Thousands of people are attracted to Cranston each year for colonial history.

Many of the famous historic districts includes the National Historic Districts of Lippitt Hill, Pawtuxet Village, Furnace Brook and Oaklawn Village.

Other notable attractions include, Governor Sprague Mansion, Joy Homestead, Confreda Greenhouses and Farms, Mardi Gras Ball, and the Garden City Center.

Cranston, RI least expensive price choices for 30 to 55 y/o drivers.

If you are in the market for a cheaper premium then start by getting quotes from Travelers and Quincy Mutual.

I queried each at $1,623 and $1,658 for a 30 year old driver with full coverage. Both insurers are 22% lower than the citywide average premium of $1,974 per year.

A 45 year old can find low quotes with Travelers, Quincy, and Allstate. Each queried at $1,029, $1,086, and $1,143 for full coverage. Which is 20% to 22% lower than the “mean” rate.

A 55 year old can quotes clustering between $794 and $887. Travelers is the cheapest at $794 for a full coverage premium.

Or 24% lower than the “mean” quote of $1,055 for a driver of similar age and profile.

Cranston Company30 Y/O45 Y/O55 Y/O
Quincy Mutual$1,658$1,086$799


Pawtucket is the 4th largest city in the state with 71,000 residents. The city was established in 1671 with only a few people.

Pawtucket had a prominent role in the industrialization of the country. In 1793 Samuel Slater built a facility for spinning cotton yarn.

Slater Mill is regarded as the origin of industry for the nation. Pawtucket had a thriving textile industry and numerous machine shops and iron works facilities.

Over time, it became an important manufacturing center. Thousands of visitors each year visit the textile mills from the early days.

Including Slaterville Village Green which is regarded as one of the oldest mill villages in the nation and includes homes from the Colonial era.

Other notable attractions include, John E. Adams House, Bridge Mill Power Plant, G.A. Burnham House, Lorenzo Crandall House, Division Street Bridge, and the Fuller House.

Pawtucket lowest price premium choices for 30 to 55 y/o.

To find the cheapest premium in Pawtucket start by getting quotes from Allstate, Travelers, and Quincy Mutual.

I queried each at $1,521, $1,547, and $1,590 for a 30 year old driver. Which is 22% lower than the citywide “mean” premium rate of $1,870 per year.

A 45 year old can the lowest quotes with Allstate. With a quote at $987 for full coverage this is 23% lower than the average premium. Travelers is only $22 more at $1,009. While Quincy I queried at $1,048.

A 55 year old can cheap quotes with Allstate, Travelers, and Quincy Mutual. Each queried at $759, $780, and $805 for full coverage.

Which is 24% lower than the “mean” rate for a driver of similar age and profile in Pawtucket.

Pawtucket Company30 Y/O45 Y/O55 Y/O
Quincy Mutual$1,590$1,048$805


Johnston was incorporated on 1759 and named after August Johnston with less than 1,00o people.  Today, there are nearly 30,000 residents. 

Johnston is home to Clemence Irons House, a stone-ender museum constructed in 1691. 

The town also has several parks such as the Johnston Memorial Park, Woodlake Park Complex, Dyerville State Park, and Woonasquatucket Park.

Also, it is home to the insurer FM Global.

Johnston, RI lowest price options by insurer for 30 to 55 year old.

If you want to get the least expensive policy then start with Allstate, Travelers, and Quincy Mutual.

I queried each at $1,432, $1,558, and $1,600 for a 30 year old driver. Allstate is 25% lower than the “mean” rate. While Travelers and Quincy Mutual are 20% lower.

It would be smart to get quotes from all carriers illustrated for the most savings.

A 45 year old can find low rates with Allstate and Travelers. Each queried at $975 and $990. Both carriers are 25% lower than the median quote for a similar driver.

A 55 year old can find low quotes with any insurers illustrated. With quotes clustering between $723 and $841. Allstate is the cheapest at $723. Which is 24% lower than the median rate in Johnston.

Johnston Company30 Y/O45 Y/O55 Y/O
Quincy Mutual$1,600$1,032$769

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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